An approved transaction that stops being a liability.
When our models approve a transaction with enough confidence, we will stand behind it. Qualifying transactions carry a fraud-chargeback guarantee: if one comes back as fraud, SoniqPay absorbs the loss rather than passing it to you. The same engine that scores the risk is the one taking it.
- Covered dispute type
- Fraud chargebacks
- Qualification
- Per transaction, at scoring
- Decision visibility
- Marked in the API response
- Commercials
- Priced on covered volume
Guaranteed Transactions, end to end.
Four stages, each observable in the dashboard and addressable over the API.
Score
The fraud engine evaluates the transaction and determines whether it qualifies for coverage.
Mark
The API response tells you, in that moment, whether this specific transaction is guaranteed.
Authorize
The transaction routes and authorizes normally through your own processing relationship.
Reimburse
If a covered transaction is later charged back as fraud, SoniqPay reimburses the transaction value.
This covers fraud. It does not cover a customer who changed their mind.
Friendly fraud, service disputes, and non-receipt claims are different problems with different remedies, and we will not pretend otherwise. SoniqPay's guarantee is scoped to fraud-coded chargebacks on transactions our engine explicitly approved for coverage. Everything else is handled with representment tooling and the evidence our vault already holds.
| Element | How it works |
|---|---|
| Qualification | Determined per transaction by the fraud engine at scoring time |
| Notification | Returned as a coverage flag on the authorization response and webhook |
| Claim handling | Automatic — a covered fraud chargeback triggers reimbursement without a claim form |
| Reporting | Coverage rate, covered volume, and reimbursement history in consolidated reporting |
| Pricing | A basis-point fee on covered volume, agreed in the commercial terms |
What you get.
Everything below ships as part of guaranteed transactions — no separate module, no separate contract.
Transaction-level clarity
No ambiguity after the fact — coverage is stated in the authorization response.
Aligned incentives
We only make money if the models are right, which is the only credible version of this product.
Represents on your behalf
Covered disputes are fought with the evidence our vault already holds.
No blanket decline strategy
A guarantee that works by declining everything is worthless; coverage rates are reported openly.
Works with your existing MIDs
Coverage sits on top of the processing you already run, with no change to how transactions settle.
Scoped, not implied
What is covered and what is not is written plainly in the commercial terms, not buried.
Works better with the pieces around it.
Each component is independently useful, but the value compounds when they share a decision path.
Gateway & Vault
A fully branded gateway and PCI-scoped vault that holds your card data as your tokens, not a processor's.
ExploreOrchestration & Smart Routing
A rules engine that decides where every transaction goes, watches how it performs, and reroutes when it doesn't.
ExploreAI Fraud Prevention
Model-scored risk decisions before authorization, tuned to your vertical instead of a generic retail baseline.
ExploreBring your own MID. We will bring everything else.
Early access is opening to platforms running real volume. Tell us your stack and we will tell you plainly where the technology moves your numbers.